State complaint profile

Debt collection complaints in Puerto Rico

1,454 CFPB complaints filed against 286 debt collectors active in Puerto Rico.

Complaints
1,454
Collectors
286
Top collector
Encore Capital Group Inc.

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Puerto Rico at a glance

Puerto Rico consumers have filed 1,454 CFPB debt-collection complaints against 286 collectors.

1,454
CFPB complaints filed
286
collectors active here
#1
most-complained: Encore Capital Group Inc.

State-of-residence is the consumer's address at filing, not the collector's. A complaint is a consumer filing, not a proven violation.

Insights: Debt Collection in Puerto Rico

Puerto Rico filings are dispersed: the top three collectors hold only 0.2% of 1,454 complaints.

Absolute counts are small, so a single regional collector or a thin national-buyer footprint can swing the ranking. Compare the volume peers below before treating any one name as a statewide pattern.

The collector with the most complaints from Puerto Rico residents in this extract is Encore Capital Group Inc. (0.2% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 4

Sorted by most complaints

Automotive Credit Corporation

F
1 total complaints ↑ rising

Account Control Technology, Inc.

C
1 total complaints ↓ falling

Accounts Management, Inc

C
1 total complaints ↓ falling

Accounts Receivable Management, Inc (NJ) (Closed)

C
1 total complaints ↓ falling

Advise Solutions Services LLC

A
1 total complaints ↓ falling

Affiliates Management Company

F
1 total complaints ↓ falling

Aldous & Associates, PLLC

D
1 total complaints ↑ rising

Alorica Inc.

D
1 total complaints ↓ falling

Alternative Collections LLC

B
1 total complaints ↓ falling

AmeriCash Holding LLC

D
1 total complaints ↓ falling

American Coradius International LLC

D
1 total complaints ↓ falling

American Recovery Service Incorporated

D
1 total complaints ↓ falling

Apothaker & Associates, PC

C
1 total complaints → stable

Applied Business Services, Inc.

D
1 total complaints ↓ falling

Army and Air Force Exchange Service

F
1 total complaints ↑ rising

Asset Complaint Solutions

F
1 total complaints ↑ rising

Asset Recovery Solutions, LLC

D
1 total complaints ↓ falling

Atlantic Recovery Solutions LLC

D
1 total complaints → stable

Atlanticus Services Corporation

D
1 total complaints ↑ rising

Balanced Healthcare Receivables, LLC

D
1 total complaints → stable

Citizens Financial Group, Inc.

C
1 total complaints → stable

CLGF Holdco 1, LLC

F
1 total complaints ↑ rising

Coast Professional, Inc.

D
1 total complaints ↓ falling

Corelogic Inc

C
1 total complaints → stable

Credit Acceptance Corporation

D
1 total complaints ↑ rising

Capio Partners, LLC

C
1 total complaints → stable

Capital Management Services, LP

D
1 total complaints ↓ falling

Central States Recovery, Inc.

C
1 total complaints ↓ falling

Choice Recovery, Inc.

D
1 total complaints ↓ falling

Coast to Coast Financial Solutions, Inc.

F
1 total complaints ↓ falling

Collection Bureau of the Hudson Valley, Inc.

D
1 total complaints ↓ falling

Collection Management Holdings, LLC

F
1 total complaints ↑ rising

Collections Acquisition Company, Inc.

F
1 total complaints ↓ falling

Commonwealth Financial Systems, Inc.

F
1 total complaints ↓ falling

Concord Servicing Corporation

C
1 total complaints ↑ rising

Credit Bureau of Lancaster County, Inc.

D
1 total complaints ↓ falling

Credit Protection Association, L.P.

D
1 total complaints ↓ falling

Credit Systems International, Inc.

D
1 total complaints ↑ rising

CrossCheck, Inc.

B
1 total complaints ↓ falling

EMCC Holdings, LLC

C
1 total complaints ↓ falling

Eastern Revenue, Inc.

D
1 total complaints → stable

Estate Information Services, LLC

C
1 total complaints ↓ falling

Everest Receivable Services Inc.

C
1 total complaints → stable

First National Bank of Omaha

D
1 total complaints → stable

Fairway Holdings, LLC

B
1 total complaints ↓ falling

Financial Business and Consumer Solutions.

D
1 total complaints ↓ falling

First Credit Services Inc.

D
1 total complaints ↑ rising

First Data Corporation

D
1 total complaints ↓ falling

First Federal Credit Control, Inc.

D
1 total complaints ↓ falling

First Financial Resources, Inc.

C
1 total complaints → stable

If a collector is contacting you in Puerto Rico

Thin filing books still share the national grade curve - verify before treating a local name as unique.

  • Thin state books still share the national grade curve - check the collector's nationwide record, not just this Puerto Rico slice. Browse rankings
  • Demand written debt validation within 30 days of first contact. Validation letter
  • With few local filings, peer-state profiles are the fastest context check before escalating. All states

Complaint volume reflects consumer filings, not collector misconduct or a legal conclusion. This is not legal advice.

Read our methodology - how this data is sourced, computed, and verified.

Read with Puerto Rico

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Filing a Complaint as a Puerto Rico Resident

With only 1,454 Puerto Rico filings in this extract, start at the CFPB complaint form for a public record, then confirm whether the Puerto Rico AG or banking regulator offers a state-specific intake - thin books still use the same three-channel pattern. Open the CFPB complaint form.